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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,735 | $46,596-59.8% | $64,099-70.8% | $75,181-75.1% |
| Participation rate | 53.3% | 65.9%-12.6pp | 72.3%-19.0pp | 67.2%-13.9pp |
| Annual return | 20.01% | 26.04%-6.0pp | 33.70%-13.7pp | 160.69%-140.7pp |
| Employer contribution / active EE | $356 | $1,975-82.0% | $2,748-87.1% | $2,671-86.7% |
| Participant deferral / active EE | $3,139 | $2,837+10.6% | $3,881-19.1% | $4,126-23.9% |
| Admin fee / account holder | $766 | $2,954-74.1% | $3,070-75.0% | $5,650-86.4% |